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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,004 | $68,394-85.4% | $94,672-89.4% | $75,177-86.7% |
| Participation rate | 26.1% | 76.1%-50.0pp | 80.8%-54.7pp | 67.2%-41.1pp |
| Annual return | -1.86% | 616.92%-618.8pp | 156.89%-158.8pp | 160.75%-162.6pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $657 | $6,536-89.9% | $7,417-91.1% | $4,126-84.1% |
| Admin fee / account holder | $786 | $5,326-85.3% | $7,222-89.1% | $5,651-86.1% |